The recommended way to get budget Volvo XC60 insurance is to compare prices once a year from providers that insure vehicles in Irvine. This can be done by following these steps.
- First, try to learn about coverages and the measures you can take to keep rates in check. Many rating criteria that result in higher rates such as multiple speeding tickets and an unfavorable credit rating can be improved by paying attention to minor details.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Third, compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
A good tip to remember is to make sure you’re comparing the same liability limits and deductibles on every price quote and and to get rates from as many auto insurance providers as possible. This helps ensure a fair price comparison and a good representation of prices.
Amazingly, a recent NerdWallet.com study showed that almost 70% of insureds renewed their policy with the same company for over three years, and nearly the majority have never taken the time to shop around. California drivers could save themselves $470 a year by just shopping around, but most undervalue the rate savings if they switched to a more affordable policy.
Choosing the best rates in Irvine can be much easier if you know how to start. Nearly every driver who shops for auto insurance will more than likely be able to cut their insurance bill. Although California vehicle owners must learn the way companies determine prices.
How to buy Volvo XC60 insurance online
To get cheaper Irvine car insurance quotes, there a variety of ways to obtain and compare prices from different Irvine insurance companies. The fastest way to comparison shop is to perform an online rate comparison.
It’s so simple to compare insurance rates online makes it obsolete to spend time driving to each insurance agency near you. The ability to quote Volvo XC60 insurance online has made agencies unnecessary unless your situation requires the trained advice that only an agent can give. You can, however, get prices online but have a local agent actually write the policy.
Keep in mind that comparing all the rates in your area will improve the odds of getting the best offered rates.
The companies shown below have been selected to offer comparison quotes in Irvine, CA. To buy cheaper car insurance in Irvine, we suggest you visit several of them to get a more complete price comparison.
Car insurance does more than just protect your car
Despite the high cost of buying insurance for a Volvo XC60 in Irvine, insurance serves several important purposes.
- Just about all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Volvo has a loan, more than likely the lender will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Volvo at a significantly higher premium and require you to pay much more than you were paying before.
- Car insurance protects not only your car but also your financial assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your car insurance policy will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, especially when you need to use it. The average driver in America overpays more than $865 each year so it’s recommended you shop around at every policy renewal to save money.
Rates and statistics
The rate information shown next covers different coverage costs for Volvo XC60 models. Having a good understanding how prices are formulated can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $390 | $576 | $492 | $30 | $148 | $1,636 | $136 |
| XC60 3.2 AWD | $440 | $576 | $492 | $30 | $148 | $1,686 | $141 |
| XC60 T6 AWD AWD | $440 | $678 | $492 | $30 | $148 | $1,788 | $149 |
| XC60 T6-R AWD AWD | $490 | $678 | $492 | $30 | $148 | $1,838 | $153 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can alter price quotes considerably.
Choosing deductibles
When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The tables below outline the costs and benefits when you choose different policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| XC60 3.2 AWD | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| XC60 T6 AWD AWD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| XC60 T6-R AWD AWD | $430 | $678 | $376 | $22 | $112 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| XC60 3.2 AWD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| XC60 T6 AWD AWD | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| XC60 T6-R AWD AWD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can impact coverage rates greatly.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $18 more each month or $216 every year averaged for all XC60 models than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claim filings, you would probably save some money by going with a higher deductible.
The example below demonstrates how deductible levels and can affect Volvo XC60 annual premium costs for different age groups. The price estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Males versus Females
The diagram below shows the difference between Volvo XC60 insurance prices for male and female drivers. The prices are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.
Cheap Irvine insurance rates with discounts
Auto insurance companies don’t necessarily list every discount available very well, so we took the time to find both the well known and the harder-to-find credits that may apply to you.
- Early Switch Discount – Select insurance companies give a discount for buying a policy prior to the expiration date on your current XC60 insurance policy. You could save around 10% when you buy Irvine car insurance online.
- 55 and Retired – Older drivers may qualify for a slight reduction on a Irvine car insurance quote.
- Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more on XC60 insurance in Irvine.
- No Charge for an Accident – Not a discount per se, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
- Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- Resident Student – College-age children who live away from home at college and don’t have a car can receive lower rates.
- Defensive Driver Discounts – Passing a course teaching driver safety skills may get you a small discount if your company offers it.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.
The information below shows the difference between Volvo XC60 yearly insurance costs with and without some available policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, marriage, safe-driver, and multi-policy discounts applied.
To find providers that offer the discounts shown above in California, click this link.
Compare rate quotes but buy from a local Irvine insurance agent
Some people prefer to get professional advice from a licensed agent and that is a personal choice. The best thing about comparing rate quotes online is you can get lower rates and still buy from a local agent.
To find an agent, once you fill out this short form, your insurance coverage information is transmitted to agents in your area who will give competitive quotes for your coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered to you instantly. Get lower rates without a big time investment. If you wish to get a price quote from a specific insurance company, you can always jump over to their website and fill out their quote form.
Picking an provider needs to be determined by more than just a cheap price quote. Before buying a policy in Irvine, get answers to these questions.
- Are they giving you every discount you deserve?
- Will the company cover a rental car if your car is getting fixed?
- Do the agents have professional certifications like CPCU or CIC?
- Do they carry Errors and Omissions coverage?
- Are there any discounts for paying up front?
- Are they primarily personal or commercial lines agents in Irvine?
- How much can you save by raising your physical damage deductibles?
Different types of auto insurance agents in Irvine
When narrowing the list to find a local agent, it helps to know the two different types of agents and how they function. Auto insurance policy providers can be described as either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agencies
These agents generally can only insure with one company like Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. These agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates.
Below are exclusive insurance agencies in Irvine willing to provide comparison quotes.
Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map
Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent do not sell for just one brand so they can write business through lots of different companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house which is easy for the insured.
If you are trying to find cheaper rates, we recommend you get several quotes from several independent agencies in order to compare the most rates.
Below is a short list of independent insurance agents in Irvine that can give you price quote information.
Hodge and Hodge Insurance Inc
10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442 – View Map
AIS | Auto Insurance Specialists | Irvine
16969 Von Karman Ave #100 – Irvine, CA 92606 – (949) 660-7061 – View Map
USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897 – View Map
Quote. Compare. Save.
Low-cost Volvo XC60 insurance in Irvine is possible from both online companies and also from your neighborhood Irvine agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get quotes online and usually these small insurance companies only sell through independent agents.
As you shop your coverage around, never buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.
Additional detailed information can be found by following these links:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Quotes for Drivers with Bad Credit in Irvine? (FAQ)
- Who Has Affordable Car Insurance Rates for a Nissan Sentra in Irvine? (FAQ)
- Who Has the Cheapest Car Insurance for 17 Year Olds in Irvine? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Irvine? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Coverage Information (Progressive Insurance)